Welcome to The Master’s Tax & Financial Services
Our website is an information resource designed to help you learn more about personal finance. We believe that good financial decisions don’t have to be confusing. Our hope is that this website will assist you in learning more about tax issues, investing, retirement, insurance, preparing financially for college, estate planning, and wealth preservation.
As in other areas of life, each of us will be more successful in our financial matters if we hold to a clear objective and make decisions in alignment with our objective. Janelle and Richard are prepared to assist you to:
- Clarify and define your goals
- Identify solutions that fit your needs
- File complete and accurate tax returns taking your best elections
- Plan for future tax events in order to minimize taxes
- Understand how changing financial conditions affect you
- Track your financial progress
- Make investment planning easier (Richard)
Through years of disciplined saving Richard was able to retire from his engineering work early in 2013 at the age of 58. Retirement not only allows more time for grandchildren, but more time for this business. Whatever your future financial goals are - retirement, helping fund college for children or grandchildren, or others - Richard is prepared to help.
No one likes to see a letter from the IRS or state tax or revenue authority, but both Janelle and Richard have taken advanced course work on helping people work through these situations. Both are licensed to represent taxpayers before the IRS.
We are open year-round. During the summer we are often out for a week or so for specialized Continuing Professional Education (CPE) or vacation with grandchildren. But we stay in touch and can help you address your concerns.
Please browse our site. It will not only introduce you to our company philosophy and services, but it will also offer a wealth of educational materials, articles, newsletters, calculators, and other tools — all designed to keep you up-to-date on financial issues, strategies, and trends. This educational material is updated frequently.
Helpful Content
Fixed or Variable Mortgage, Which Should You Pick?
When selecting a mortgage, one of the most critical choices is between a fixed or variable interest-rate mortgage.
A House Divided
By understanding a few key concepts during a divorce, you may be able to avoid common pitfalls.
Teaching Kids About Money Early: Financial Habits That Stick
Everyday conversations and simple habits can help kids build lasting financial skills from an early age.
Perception vs. Reality
Learn how to coordinate your retirement accounts like an orchestra to help maximize your retirement strategy.
The Three Keys to a Great Password
Have fun and learn how to craft the perfect password with the help of this highly engaging infographic.
U.S. Personal Savings Rate
What can be learned from the savings rate?
Qualifying For Medicare Under Age 65
You might qualify for Medicare if you’re under 65-years-old. This article will explain the conditions where you may qualify for Medicare early.
Make Your Mark Through Sustainable Investing
Have you considered the impact of your investments? Learn how to contribute to positive change through sustainable investing.
Put It in a Letter
A letter of instruction provides additional and more personal information regarding your estate.
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What Is My Risk Tolerance?
This questionnaire will help determine your tolerance for investment risk.
Tax Freedom Day
Assess how many days you'll work to pay your federal tax liability.
Can I Refinance My Mortgage?
This calculator can help determine whether it makes sense to refinance your mortgage.
Federal Income Tax
Use this calculator to estimate your income tax liability along with average and marginal tax rates.
What Is My Current Net Worth?
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
Should I Buy or Lease an Auto?
This calculator compares the financial impact of leasing versus buying an automobile.
View all calculators
Exit Strategies of the Rich and Famous
Estate conservation is too important to put off. Do you have a smart exit strategy?
Bursting the Bubble
Tulips were the first, but they won’t be the last. What forms a “bubble” and what causes them to burst?
Perception vs. Reality
There’s an alarming difference between perception and reality for current and future retirees.
Retirement Redefined
Around the country, attitudes about retirement are shifting.
What to Do When You Lose Your Wallet
Ever lost your wallet? Frustrating. Here’s what you can do to keep yourself safe.
16 Wall Street Cliches in 60 Seconds
Pundits say a lot of things about the markets. Let's see if you can keep up.